Why Compare Car Insurance Rates in Connecticut:
There are 45,552 miles of road in Connecticut, only waiting to be driven. You can't fully regulate your safety on the road in Connecticut, which has over 2.6 million licensed drivers. Accidents do happen, which is why you need the best car insurance in Connecticut. Shopping around for cheap car insurance in Connecticut is necessary if you want to save money.
When it comes to auto insurance, Connecticut drivers have a range of options. Connecticut has over 1400 licensed insurance providers and ranks seventh in the United States in providing direct premiums. Finding cheap car insurance in Connecticut is not always easy, especially with so many best car insurance companies in CT.
With the best-customized auto insurance quotes in CT, we will assist you in getting affordable car insurance quotes.
|Coverage Type||Minimum Coverage Limit|
|Bodily Injury Liability Coverage (per person)||$25,000 ($50,000 for injuries resulting in death)|
|Bodily Injury Liability Coverage (per accident)||$50,000 ($100,000 for injuries resulting in death)|
|Property Damage Liability||$15,000|
|Uninsured Motorist||$25,000 bodily injury per person$50,000 bodily injury per accident|
Amica Mutual is Connecticut's cheapest car insurance company for a minimum liability policy. State Farm's minimum car insurance rates are on average $490 per year, which is 40% less than the statewide average.
Connecticut drivers should also seek a quotation from Travelers, a well-known provider. If you're eligible, USAA is a fantastic option, and it receives high reviews for customer service and is competitively priced with State Farm and Travelers.
The cheapest approach to meet Connecticut's statutory insurance requirements, including bodily injury liability, property damage liability, and uninsured/underinsured driver coverage, is to purchase a minimum liability auto insurance policy. On the other hand, higher liability coverage limits can assist you to avoid paying out of pocket for damage caused by an accident you cause if you can afford it.
Connecticut's minimum car insurance coverage is comparable to the rest of the country. However, that does not imply that it entirely protects you and your possessions, especially for your liability limits, which can soon be depleted.
Medical expenses can quickly deplete the $25,000 per person cap, particularly if you inflict catastrophic harm. The same is true with your uninsured motorist policy, which kicks in to cover your medical bills if the at-fault party cannot pay.
For these reasons, increasing your limitations is always a good idea. It normally only costs a few dollars and can go a long way toward keeping you and your assets safe.
Drivers in Connecticut pay an average of $672 for the state's minimum insurance and $1,605 for full coverage. This is almost $100 less than the national average annual rate of auto insurance, $1738.
State Farm is Connecticut's cheapest full coverage auto insurance, with an average annual rate 44% lower than the state average. If you choose State Farm over the state's average insurer, you might save $967 a year on car insurance.
In addition to state-mandated auto insurance coverage, full-coverage policies offer collision and comprehensive coverage, which pay for repairs to your car regardless of fault. Although comprehensive and collision insurance raises premiums dramatically, they may be worthwhile if your car is worth more than a few thousand dollars.
Always compare auto insurance quotes from at least three companies to discover the best rates. Contact Way.com to begin searching among the top providers in your area, or continue reading to find which businesses have the lowest premiums in your area.
Connecticut consumers should compare as many insurers as possible while seeking the cheapest car insurance.
Amica Mutual offers the best rates for young drivers looking for the cheapest auto insurance in Connecticut, with premiums as low as $998 per year for full coverage.
In Connecticut, the average cost of minimal auto insurance for 18-year-old drivers is $4242 per year ($353 per month). That's $3198 more per year than an older driver would pay for the same level of coverage. Younger drivers are far more prone than older drivers to submit claims. Thus their insurance rates are normally higher until they get more driving experience.
We discovered that USAA has very low rates for Connecticut drivers who have received a speeding ticket, with an annual cost of $1087. This is 42% lower than the average premium we discovered across all insurers.
A speeding violation in Connecticut increased insurance costs by 15% on average.
According to our analysis, State Farm had the best car insurance rates for drivers who had been in an accident in Connecticut. State Farm's average annual premium for a full-coverage policy with an at-fault accident on a driver's record is $1085 per year.
If you are involved in an accident, you should search around for car insurance to ensure you are getting the best deal available. Because insurers assess issues like car accidents differently, the cheapest insurance company for you may alter after a collision.
We discovered that State Farm is the most cost-effective alternative for Connecticut DUI drivers. The cheapest annual fee for the company is $1087 per year. A DUI is a serious offense that can result in significant increases in your car insurance rates – in Connecticut, a single DUI can more than double your rates.
For married drivers, State Farm has the best prices. From State Farm, we discovered a typical rate of $1217 per year for a married driver. Because married people make fewer car insurance claims, car insurance companies in Connecticut offer married drivers 4% lower premiums on average. By purchasing a joint car insurance coverage with their spouse, married drivers may save even more money.
We urge that young driver who has recently been in an accident look into State Farm. It offered minimum-coverage insurance for $183 per month, which was less than average. That's less than half of what most insurers used to charge.
Young drivers with a high car insurance bill can typically save money by taking a defensive driving course, obtaining good grades, or sharing their insurance coverage with their parents.
The area in which you live might significantly impact the insurance prices you pay. The cost of full-coverage insurance varies depending on where you live. Road conditions and auto theft in a specific location can result in more claims, leading to higher rates.
|Conning Towers Nautilus Park||$1,901|
|Deep River Center||$1,937|
|East Windsor Hill||$2,129|
|Groton Long Point||$1,901|
|New Hartford Center||$2,057|
|New Preston Marble Dale||$2,177|
|North Grosvenor Dale||$1,985|
|Old Saybrook Center||$1,925|
Cheapest Car Insurance Rates For Seniors
Cheap auto insurance in Connecticut with bad credit
|Company||Avg. Annual Premium|
Connecticut auto insurance rate by violation
|Accident/Violation||Avg. Annual Premium||% Rate Increase||$ Rate Increase|
|One Med/PIP claim||$1,975||0%||$12|
|Two Med/PIP claims||$2,048||4%||$85|
|One comp claim||$2,098||6%||$135|
|Driving without lights||$2,245||14%||$282|
|Two comp claims||$2,256||15%||$283|
|Failure to wear a seat belt||$2,273||17%||$301|
|Child safety restraint||$2,296||18%||$323|
|Failure to show documents||$2,300||19%||$337|
|Driving with expired registration||$2,322||20%||$359|
|Speeding 6 - 10 MPH over limit||$2,343||21%||$381|
|Speeding 16 - 20 MPH over limit||$2,352||21%||$389|
|Speeding 11 - 15 MPH over limit||$2,352||21%||$389|
|Cell phone violation||$2,361||22%||$398|
|Texting while driving||$2,361||22%||$398|
|Driving too slowly||$2,373||22%||$410|
|Failure to stop at a red light||$2,375||22%||$412|
|Failure to yield||$2,375||22%||$412|
|Following too closely||$2,375||22%||$412|
|Speeding in school zone||$2,382||23%||$419|
|Wrong way/wrong lane||$2,383||23%||$420|
|At-fault accident - less than $1000||$2,395||23%||$432|
|Speeding 21 - 25 MPH over limit||$2,403||24%||$441|
|In 65 MPH zone||$2,470||27%||$507|
|Operating a vehicle without permission||$2,554||32%||$591|
|Passing school bus||$2,613||37%||$650|
|At-fault accident - greater than $2000||$3,058||57%||$1,095|
|At-fault accident - $1000-$2000||$3,064||58%||$1,101|
|Driving with a suspended license||$4,221||117%||$2,258|
|Refusal to submit to a chemical test||$4,224||117%||$2,261|
|Leaving scene of an accident/hit and run||$4,376||121%||$2,413|
Car insurance price trends in Connecticut
|Year||Avg. Annual Premium — Connecticut||Yearly Change — Connecticut||Avg. Annual Premium — US||Yearly Change — US|
When looking for the perfect auto insurance agent, bear the following in mind:
Assess the requirements: Each car insurance quote is personalized to the unique needs of each driver. Keep in mind that your rate can fluctuate based on factors such as your age, driving record, and credit history. To make you safer on the road, insurance providers can consider where you live, the car you drive, and any exceptional safety features your car might have.
Consider state variables: Connecticut regulations prescribe the minimum insurance requirement that you must provide to operate a car in the state legally. This includes bodily injury liability of $20000 per person per accident, bodily injury liability of $50000 for all individuals per accident, and property damage liability of $25000 per accident. Uninsured/underinsured motorist coverage of $25000/$50000 is also needed.
To figure out why auto insurance in Connecticut is so expensive, you must first understand what factors influence the cost.
Remember that your liability insurance does not cover your injuries or property damage. It only ever pays for injuries caused by your fault in an accident.
The utmost amount that an insurer will pay to cover a claim is known as the insurance limit. Each state sets its coverage restrictions, which can usually be raised for an additional fee. These restrictions are usually divided into three groups.
The minimum in Connecticut is 25/50/25, which reflects bodily injury per person, bodily injury per accident, and property damage, which we'll go over in more detail below.
The following are your liability insurance limits:
Connecticut citizens are eligible for auto insurance savings 33% of the time, the highest rate of any state in the US!
Car insurance is costly, particularly if you live in Connecticut. Did you know Connecticut has the nation's 12th most costly auto insurance? The average Connecticut resident pays $1707 for car insurance per year, over $800 more than the national average. There are, however, several unusual and practical strategies to reduce the amount of money you spend on auto insurance.
Discounts are one of the most effective ways to save money on car insurance. Insurance discounts are divided into three categories: driver, car, and policy discounts.
Drivers are given discounts based on their driving history, student status, membership in professional groups, age, and how and when they use their cars. Academic achievement, auto clubs, and low-risk vocations are all instances of driver discounts.
Car discounts are a way for insurance companies to thank you for having features on your car that minimize their risk by lowering your premium. Hybrid cars, safety equipment, and anti-theft protection mechanisms are examples of these features.
Multiple vehicles, car insurance discounts, and bundling discounts are all available. Because these features simplify the writing process, insurance firms are more likely to offer you a discount. So, if you want to save money on auto insurance in Connecticut, make sure to ask your insurance agent about these options.
Almost all states require drivers to have auto insurance. Drivers in Connecticut must have liability insurance and uninsured and underinsured motorist coverage. All drivers must also have evidence of insurance, which must be presented to law enforcement personnel upon request.
Your lender or leasing business may require you to carry physical damage coverage to safeguard their investment in the car if you loan or lease it.
All drivers in Connecticut are required to have liability auto insurance. Liability pays for lost wages or injuries caused by another motorist or their passengers if you cause an accident. This is referred to as bodily injury (BI) insurance. Furthermore, property damage to the other driver's car is covered by liability (PD).
In Connecticut, personal injury protection (PIP) is not needed. In Connecticut, PIP isn't even available. Instead of PIP insurance, Connecticut insurers offer medical payments insurance (often known as MedPay), which covers hospital expenditures incurred due to a car accident.
MedPay and PIP insurance are similar in that they both cover your medical expenditures even if you cause a car accident. MedPay, on the other hand, is less comprehensive than personal injury protection, with no provisions for lost pay or assistance with household chores that you are unable to perform owing to your injury.
In no-fault states, personal injury protection is a type of car insurance that covers medical expenses regardless of who caused the collision. Connecticut is an at-fault state, which means that following a collision, at least one driver is deemed to be "at blame."
The average cost of insurance in Connecticut – $1,842 – is relatively high compared to most PIP states and other non-PIP states, owing to variances in car insurance rules.
Auto insurance is one of the most often purchased types of personal insurance in Connecticut, and it is necessary to drive lawfully.
There are two forms of car insurance:
Liability auto insurance:
Bodily injury responsibility protects you from claims made by those who have been injured due to an accident in which you were at fault.
Medical expenditures, lost pay, and pain and suffering are possible claims.
Property damage liability insurance covers harm to other people's property that you cause. Damages to cars and other property, such as walls, fences, and equipment, are included.
Collision coverage covers the cost of physical damage to your car due to a collision with another object. Although a lender or leasing firm may request this insurance, this insurance is not needed by law.
Comprehensive coverage covers damage to your car caused by practically any other event, such as fire, extreme weather, vandalism, floods, and theft. It is not a legal requirement.
In Connecticut, driving without insurance costs $100 to $1,000 and a license suspension of one month for the first conviction and six months for any subsequent convictions.
Additional fees and penalties:
Carrying the proper amount of auto insurance in Connecticut is necessary if you want to stay on the right side of the law. It will not only keep you legal, but it will also keep you and your possessions safe.
Don't be concerned about the cost of all of this additional coverage. Way.com can assist you in obtaining insurance quotes from a variety of leading insurers, allowing you to compare policies and select the best plan at the greatest price.
The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
On average, car insurance in Connecticut costs $114 per month or $1363 per year. This is higher than the average cost of auto insurance in other states.
Travelers offer the most affordable minimum-coverage policies ($634 a year), while State Farm offers the most affordable full-coverage policies ($1638).
Connecticut's average annual auto insurance premium is $1771.
Connecticut has a high cost of auto insurance. Connecticut's average annual auto insurance rate is $1544 — 8.2 percent higher than the national average.
Each state regulates both forms of insurance. In auto insurance, though, insurers need to alert the Connecticut Department of Insurance that premiums are going up.
In Connecticut, you can't register a vehicle without getting insurance. At the time of registration, proof of insurance is needed. In Connecticut, you have 60 days from the date of purchase to register a vehicle, but you can't drive it without insurance.
Connecticut drivers must have the following minimum coverages and restrictions on their auto insurance: Liability for bodily injury is $25000 per person and $50000 per accident. Liability for Property Damage: $25000 per accident. Uninsured/underinsured motorist: $25000 per person and $50000 per accident for uninsured/underinsured motorists.
You could face a fine of $100 to $1000 if you're caught driving without insurance in Connecticut. Not only that, but if you own the uninsured vehicle, you may be charged with a Class C misdemeanor, which carries a fine of up to $500, a three-month jail sentence, or both.
The legislation mandates a minimum of $25000 per person and $50000 per accident for bodily injury liability and $25000 for property damage liability, but drivers are strongly encouraged to consider higher limits. The legislation mandates a minimum of $25000 per person and $5000 per injury.
Root provides healthy drivers in Connecticut with reliable, high-quality auto insurance. We make it easy for good drivers to save from Stamford to New Haven, Norwalk to Hamden. Take the test drive and see if you can save hundreds of dollars by driving well.
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